Company Information

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Company Information Board of Directors (BOD) External Auditors Waqar Hassan Siddique Chairman KPMG Taseer Hadi & Company, Muhammad Tayyab Tareen CEO Chartered Accountants Aziz Moolji Chaudhary Khaqan Saadullah Khan Frederic Sicre Share Registrar Iftikhar Aziz Siddiqui Central Depository Company of Pakistan Limited Khalid Rafi CDC House, 99-B, Block "B", SMCHS, Main Shahrah- Mubasher H. Sheikh e-Faisal, Karachi. Office: 111-111-500 Nayyer Hussain Noor Ahmed Omar Khan Lodhi Bankers Shan A. Ashary Albaraka Bank (Pakistan) Limited Zafar Abbas Allied Bank Limited Askari Bank Limited Board Audit Committee (BAC) Bank Alfalah Limited Khalid Rafi Chairman Bank Al-Habib Limited Aziz Moolji Member Bank Islami Pakistan Limited Mubasher H. Sheikh Member Burj Bank Limited Nayyer Hussain Member Citibank N.A. Dubai Islamic Bank Pakistan Limited Board Human Resource & Remuneration Faysal Bank Limited Committee (BHR&RC) First Women Bank Limited Omar Khan Lodhi Chairman Habib Bank Limited Muhammad Tayyab Tareen Member Industrial & Commercial Bank of China Limited Shan A. Ashary Member MCB Bank Limited Meezan Bank Limited Board Finance Committee (BFC) National Bank of Pakistan Shan A. Ashary Chairman NIB Bank Limited Muhammad Tayyab Tareen Member Samba Bank Limited Nayyer Hussain Member Soneri Bank Limited Aziz Moolji Member Standard Chartered Bank (Pakistan) Limited Summit Bank Limited Chief Financial Officer United Bank Limited Syed Moonis Abdullah Alvi Registered Office Company Secretary KE House, 39-B, Sunset Boulevard, Phase-II, Muhammad Rizwan Dalia Defence Housing Authority, Karachi, Pakistan Chief Internal Auditor Follow Us Khalilullah Shaikh www.ke.com.pk UAN: 111-537-211 Legal Adviser Abid S. Zuberi & Co. .

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Annual Report 2011
SoneriBank Soneri B8nk Limited Regla11ered ortlce: Rupall House 241-242, - Upper Mall Scheme, Anand Road, Lahore - 54000, Pakistan Tel: (042) 35713101-04 Head Otnc:e: 90·8-C/11, Uberty Market, Gulberg Ill, LahcnJ • 54000, Pakistan Tal: (042) 35772362-65 Central Office: 51h FlOOr, AJ.Rahim Tower, 1.1. Chundrigar Road, Karachi ·74000, Pakistan J Tal: (021) 32439562-67 Webde: www.aonertbank.com 2417 Call C.ntre: 0800-00500 UAN: 111-80NERI Soneri Bank Limited nnnUHL REPORT 2U II An experience Beyond Banking Soneri Bank Limited R~~URl ~frO~T 2011 OUR MISSION To develop Soneri Bank into an aggressive and dynamic financial institution having the capabilities to provide personalized service to customers with cutting edge technology and a wide range of products, and during the process ensure maximum return on assets with the ultimate goal of serving the economy and the society. Soneri Bank Limited R~~URl ~frO~T 2011 Products and Services 07 Corporate Information 13 Board Committees 14 Management Committees 15 Key Performance Indicators 17 Six Years' Financial Summary 18 Six Years' Growth Summary 20 Six Years' Vertical Analysis 22 Six Years' Horizontal Analysis 24 Directors' Report to Shareholders 27 Statement of Value Addition 33 Statement of Internal Controls- by President 34 Statement of Internal Controls- by Chairman 35 Statement of Compliance with Best Practices of Code of Corporate Governance 36 Auditors' Review Report to The Members on Statement of Compliance with Best Practices of Code of Corporate Governance 38 Auditors' Report to The Members 39 Statement of Financial Position 40 Profit and Loss Account 41 Statement of Comprehensive Income 42 Cash Flow Statement 43 Statement of Changes in Equity 44 Notes to the Financial Statements 45 Shariah Advisor's Report 99 Notice of Annual General Meeting 101 Pattern of Shareholding 103 List of Branches 106 List of Foreign Correspondents 110 Soneri Bank Limited nnn ~Al ~Ero~r 2011 nnn~nl ~Ero~r 2011 As of 31 December 2011 Soneri Bank Limited was incorporated on September 28, 1991.
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12. BANKING 12.1 Scheduled Banks Operating in Pakistan Pakistani Banks
12. BANKING 12.1 Scheduled Banks Operating in Pakistan Pakistani Banks Public Sector Banks Nationalized Banks 1. First Women Bank Limited 2. National Bank of Pakistan Specialized Banks 1. Industrial Development Bank of Pakistan (IDBP) 2. Punjab Provincial Co-operative Bank Limited (PPCB) 3. Zarai Traqiati Bank Limited 4. SME Bank Ltd. Provincial Banks 1. The Bank of Khyber 2. The Bank of Punjab Private Domestic Banks Privatized Bank 1. Allied Bank of Pakistan Limited 2. Muslim Commercial Bank Limited 3. United Bank Limited 4. Habib Bank Ltd. Private Banks 1. Askari Commercial Bank Limited 2. Bank Al-Falah Ltd. 3. Bank Al-Habib Ltd. 4. Bolan Bank Ltd. 5. Faysal Bank Ltd. 6. KASB Bank Limited 7. Meezan Bank Ltd. 8. Metropolitan Bank Ltd 9. Prime Commercial Bank Ltd. 10. PICIC Commercial Bank Ltd. 11. Saudi-Pak Commercial Bank Limited 12. Soneri Bank Ltd. 13. Union Bank Ltd. Contd. 139 12.1 Scheduled Banks Operating in Pakistan Private Banks 14. Crescent Commercial Bank Ltd. 15. Dawood bank Ltd. 16. NDLC - IFIC Bank Ltd. Foreign Banks 1. ABN AMRO Bank NV 2. Al-Baraka Islamic Bank BSC 3. American Express Bank Ltd. 4. Citi Bank NA 5. Deutsche Bank AE 6. Habib Bank AG Zurich 7. Oman International Bank SAOG 8. Rupali Bank Ltd 9. Standard Chartered Bank Ltd. 10. The Bank of Tokyo-Mitsubishi Ltd. 11. The Hong Kong & Shanghai Banking Corporation Ltd. Source: SBP Note: Banks operating as on 30th June, 2004 140 12.2 State Bank of Pakistan - Assets of the Issue Department (Million Rupees) Last Day of June Particulars 2003 2004 2005 Total Assets 522,891.0 611,903.7 705,865.7 1.
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Bank-IRC-Activity.Pdf
DOMESTIC MARKETS MONETARY MANAGEMENT DEPARTMENT STATE BANK OF PAKISTAN Quarterly Bank-wise Access to SBP IRC Facilities FY 2015-16 Q1-FY16 Q2-FY16 Q3-FY16 Q4-FY16 No. Name of Institutions Visits to SBP IRC Facilities Visits to SBP IRC Facilities Visits to SBP IRC Facilities Visits to SBP IRC Facilities 1 National Bank of Pakistan 7 6 - - 2 MCB Bank 6 3 - - 3 Bank of Punjab 7 1 - - 4 Faysal Bank 3 5 - - 5 United Bank Limited 3 4 - - 6 Askari Commercial Bank 4 2 - - 7 Pak China Investment 4 2 - - 8 Bank Al-Falah 3 2 - - 9 Summit Bank 3 2 - - 10 Pak Libya Holding Co 3 2 - - 11 Pak Brunei Investment 3 2 - - 12 Allied Bank Limited 2 3 - - 13 Bank of Khyber 3 1 - - 14 Silk Bank 3 1 - - 15 JS BANK 1 3 - - 16 Sindh Bank 3 0 - - 17 Citibank 2 1 - - 18 Soneri Bank 2 1 - - 19 Standard Chartered 1 2 - - 20 Bank Al-Habib 2 0 - - 21 Habib Metropolitan Bank 2 0 - - 22 Bank of Tokyo 1 0 - - 23 ICBC 1 0 - - 24 NIB Bank 1 0 - - 25 Pak Oman Investment Co 1 0 - - 26 Saudi Pak Investment 1 0 - - 27 First Women Bank 0 1 28 Habib Bank Limited 0 1 29 Samba Bank 0 1 Cumulative Visits to SBP IRC Facilities 72 46 - - Page 1 of 3 DOMESTIC MARKETS MONETARY MANAGEMENT DEPARTMENT STATE BANK OF PAKISTAN Bank-wise Access to Overnight Repo/Reverse Repo Facilities During Q2- FY 2015-16 Reverse Repo Facility Repo Facility Totat Number of Visits No.
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List of Open Branches
List of Open Branches Branch Code Branch Name Branch Address City Aadha Stop, Near Main Bazar, Main Sialkot-Daska 0308 Aadha, Sialkot Aadha Road,Tehsil Daska, District Sialkot Khan Baba Plaza, Ground Floor, Moallah Upper 2007 Abbottabad Abbottabad Channai,Abbottabad Road, Mansehra. Main Mansehra Road, Near Fawara Chowk, 2038 City Branch, Abbottabad Abbottabad Abbottabad Islamic Banking Main Mansehra Road, Mouza Sheikh Albandi 1, 5541 Mansehra Road, Abbottabad Abbotabad. Abbotabad Khewat No. 54, Khatooni No. 55, Katchery Road, 0193 Ahmed Pur East Ahmed Pur East Ahmed Pur East. Mauza Shamsa Akbarpura, Tehsil Pabbi, District 2048 Akbarpura, Nowshera Akbarpura Nowshera Ali Pur Chatha, Mauza Akaal Garh, Qadirabad Road, Ali Pur Chatha, 0312 Ali pur chattha Gujranwala Tehsil Wazirabad, District Gujranwala. Mouza Ghalwan Awal, Main Multan Road, Alipur, 0164 Alipur Alipur District Muzaffargarh. Property No. 48-A, Timber Market, City Road, 0159 Arifwala Outside Ghalla Mandi, Tehsil Arifwala, District Arifwala Pakpattan. Civil Bazar Branch, Shop No. D7&D8, Civil Bazar 0128 Civil Bazar Attock Attock City. 1122 Badin Quaid-e-Azam Road, Badin Town, Badin. Badin 4007 Bagh, AJK Bank Road, Main Bazar, Teh & District Bagh (AJK) Bagh (A.K.) 0150 Bahawalnagar Shop No. 10, Grain Market, Bahawalnagar. Bahawalnagar 0068 Bahawalpur Circular Road, Near Chowk Fawara, Bahawalpur Bahawalpur Chak No. 47/DNB, Shahi Wala, Tehsil Yazman, 0315 Shahi Wala Bahawalpur District Bahawalpur. Chak No.56-A / DB, Tehsil Yazman, District 0330 Yazman Bahawalpur Bahawalpur. Satellite Town, Rafi Qamar Road, Main Kanju Chowk, Satellite Town, 0341 Bahawalpur Bahawalpur Bahawalpur. Islamic Banking Plot No.6/B, Block B/I, Ghaznavi Road, Model Town 5517 Bahawalpur Bahawalpur – A, Gazted Officers Colony, Bahawalpur.
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Allied Bank Is the First Muslim Bank, to Have Been Established on the Territory That Became Pakistan
ALLIED BANK LIMITED MONEY AND BANKING Vision To become a dynamic and efficient bank providing integrated solutions in order to be the first choice bank for the customers. Mission • To provide value-added services to our customers • To provide high-tech innovative solutions to meet customers requirements • To create sustainable value through growth, efficiency and diversity for all stakeholders • To provide a challenging work environment and reward dedicated team members according to their abilities and performance • To play a proactive role in contributing towards the society 1 ALLIED BANK LIMITED MONEY AND BANKING BOARD OF DIRECTORS: Board of Directors (left to right) Mohammad Naeem Mukhtar (Chairman) Mohammad Waseem Mukhtar (Director) Sheikh Jalees Ahmed (Director) Sheikh Mukhtar Ahmed (Director) Abdul Aziz Khan (Director) Mubashir A. Akhtar (Director) Khalid A. Sherwani (Chief Executive Officer) Muhammad Raffat (Company Secretary) 2 ALLIED BANK LIMITED MONEY AND BANKING OVERVIEW OF ALLIED BANK LIMITED: Type Public as "Australasia Bank", 1942 Founded Lahore, Pakistan Headquarters Lahore, Pakistan Industry Finance and Insurance Products Financial Services Revenue Allied Bank is located in Lahore, Punjab, Pakistan. It was established in 1942 before independence, Allied Bank Limited is one of the largest banks in Pakistan with 735 Branches connected to an online network. In August 2004 the Bank was restructured and the ownership was transferred to Ibrahim Group. A Map of Pakistan showing the location of Allied Bank branches in Pakistan 3 ALLIED BANK LIMITED MONEY AND BANKING HISTORY OF ALLIED BANK LIMITED: Allied Bank is the first Muslim bank, to have been established on the territory that became Pakistan. Established in December 1942 as the Australasia Bank at Lahore with a paid-up share capital of Rs.
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(Winner)MCB Bank Limited Best Bank of the Year 2017 – Mid Size Banks
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Supreme Court of Pakistan And
SUPREME COURT OF PAKISTAN AND PRIME MINISTER OF PAKISTAN'S DIAMER BHASHA AND MOHMAND DAM FUND ACCOUNT LIST OF DONOR FOR 03 OCTOBER-19 RECEIPT Bank Depositor Name Amount AL BARAKA BANK (PAKISTAN) LTD YASMIN ZUBAIR 1,000 AL BARAKA BANK (PAKISTAN) LTD Total 1,000 Allied Bank Limited GULZAR ALI 1,000 Allied Bank Limited ZAINAB AZIZ 500 Allied Bank Limited SALMAN HASSAN KHAWAJA 25 Allied Bank Limited RAZA SAADAT 20 Allied Bank Limited Total 1,545 Askari Bank Limited RIAZUDDIN AHMED 4,000 Askari Bank Limited SAADIA AAMIR MALIK 1,000 Askari Bank Limited NASIR ADNAN 60 Askari Bank Limited JANSA WAQAS 50 Askari Bank Limited Total 5,110 Bank Al Falah Limited MUHAMMAD NAEEM 500 Bank Al Falah Limited Total 500 Bank Al Habib Limited AMIR SHAHZAD 5,000 Bank Al Habib Limited MUHAMMAD ASJID USMANI 2,000 Bank Al Habib Limited TURAB HUSSAIN 1,000 Bank Al Habib Limited ABDULLAH 11 Bank Al Habib Limited Total 8,011 Bank Alfalah Islamic Banking RUKHSANA WAKEEL 10,000 Bank Alfalah Islamic Banking NAEEM AHMED JAVED 10,000 Bank Alfalah Islamic Banking KHALID MAHMOOD CHAUDHARY 10,000 Bank Alfalah Islamic Banking MUHAMMAD SAAD WAHEED 5,000 Bank Alfalah Islamic Banking AHMAD FAROOQ GHUMNI 5,000 Bank Alfalah Islamic Banking M TARIQ ABBAS 4,000 Bank Alfalah Islamic Banking HESSAM 3,500 Bank Alfalah Islamic Banking FAZZAL HAQ 1,000 Bank Alfalah Islamic Banking FAZAL HAQ 700 Bank Alfalah Islamic Banking M SADIQ 500 Bank Alfalah Islamic Banking MIAN HUMAYUN 200 Bank Alfalah Islamic Banking AMIR ALI 100 Bank Alfalah Islamic Banking Total 50,000 CITI Bank N A PAKISTAN
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Prospectus, Especially the Risk Factors Given at Para 4.11 of This Prospectus Before Making Any Investment Decision
ADVICE FOR INVESTORS INVESTORS ARE STRONGLY ADVISED IN THEIR OWN INTEREST TO CAREFULLY READ THE CONTENTS OF THIS PROSPECTUS, ESPECIALLY THE RISK FACTORS GIVEN AT PARA 4.11 OF THIS PROSPECTUS BEFORE MAKING ANY INVESTMENT DECISION. SUBMISSION OF FALSE AND FICTITIOUS APPLICATIONS ARE PROHIBITED AND SUCH APPLICATIONS’ MONEY MAY BE FORFEITED UNDER SECTION 87(8) OF THE SECURITIES ACT, 2015. SONERI BANK LIMITED PROSPECTUS THE ISSUE SIZE OF FULLY PAID UP, RATED, LISTED, PERPETUAL, UNSECURED, SUBORDINATED, NON-CUMULATIVE AND CONTINGENT CONVERTIBLE DEBT INSTRUMENTS IN THE NATURE OF TERM FINANCE CERTIFICATES (“TFCS”) IS PKR 4,000 MILLION, OUT OF WHICH TFCS OF PKR 3,600 MILLION (90% OF ISSUE SIZE) ARE ISSUED TO THE PRE-IPO INVESTORS AND PKR 400 MILLION (10% OF ISSUE SIZE) ARE BEING OFFERED TO THE GENERAL PUBLIC BY WAY OF INITIAL PUBLIC OFFER THROUGH THIS PROSPECTUS RATE OF RETURN: PERPETUAL INSTRUMENT @ 6 MONTH KIBOR* (ASK SIDE) PLUS 2.00% P.A INSTRUMENT RATING: A (SINGLE A) BY THE PAKISTAN CREDIT RATING COMPANY LIMITED LONG TERM ENTITY RATING: “AA-” (DOUBLE A MINUS) SHORT TERM ENTITY RATING: “A1+” (A ONE PLUS) BY THE PAKISTAN CREDIT RATING AGENCY LIMITED AS PER PSX’S LISTING OF COMPANIES AND SECURITIES REGULATIONS, THE DRAFT PROSPECTUS WAS PLACED ON PSX’S WEBSITE, FOR SEEKING PUBLIC COMMENTS, FOR SEVEN (7) WORKING DAYS STARTING FROM OCTOBER 18, 2018 TO OCTOBER 26, 2018. NO COMMENTS HAVE BEEN RECEIVED ON THE DRAFT PROSPECTUS. DATE OF PUBLIC SUBSCRIPTION: FROM DECEMBER 5, 2018 TO DECEMBER 6, 2018 (FROM: 9:00 AM TO 5:00 PM) (BOTH DAYS INCLUSIVE) CONSULTANT TO THE ISSUE BANKERS TO THE ISSUE (RETAIL PORTION) Allied Bank Limited Askari Bank Limited Bank Alfalah Limited** Bank Al Habib Limited Faysal Bank Limited Habib Metropolitan Bank Limited JS Bank Limited MCB Bank Limited Silk Bank Limited Soneri Bank Limited United Bank Limited** **In order to facilitate investors, United Bank Limited (“UBL”) and Bank Alfalah Limited (“BAFL”) are providing the facility of electronic submission of application (e‐IPO) to their account holders.
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COMPARATIVE ANALYSIS of FINANCIAL PERFORMANCE and GROWTH of CONVENTIONAL and ISLAMIC BANKS of PAKISTAN Ishtiaq Khan, Sarhad University of Science & IT, Peshawar
COMPARATIVE ANALYSIS OF FINANCIAL PERFORMANCE AND GROWTH OF CONVENTIONAL AND ISLAMIC BANKS OF PAKISTAN Ishtiaq Khan, Sarhad University of Science & IT, Peshawar. Email: [email protected] Wali Rahman, Associate Professor, Sarhad University of Science & IT, Peshawar. Email: [email protected] Saeedullah Jan, Khushal Khan Khattak University, Karak. Email: [email protected] Mustaq Khan, Abasyn University of Science & IT, Peshawar Email: [email protected] Abstract. Various types of the banking system are operating in the world. The most commons are conventional and Islamic. Customers evaluate these systems before they decide in invest. The prime aim of this study is to assess and compare the financial performance and growth of conventional and Islamic banks operating in Pakistan. Banks offer different types of products and services for the satisfaction of customers for their financial needs. Conventional banking is based on interest while Islamic banking offers interest-free banking. To compare their respective performance financial ratios are applied. In Pakistan, Habib Bank Limited and Allied Bank Limited are typical examples of the conventional banking whereas Dubai Islamic Bank Limited and Meezan Bank Limited are operating as Islamic banking. Three (03) years data were obtained from the “Financial Statement Analysis of Financial Sector of Pakistan 2009-2011” State Bank of Pakistan publication. The analyses reflect that the liquidity ratio of Islamic banks appeared higher as compared to conventional banks, whereas the profitability and solvency ratios of conventional banks were comparatively higher than Islamic banks. Debt to asset ratio of Islamic banks seemed better than conventional banks due to low debt financing. Also, with regard to expansion, the growth rate of Islamic banks in Pakistan is comparatively higher than conventional banks.
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ANNUAL REPORT 2008 the Management Team Is Also Being Trained on Various Basel II Requirements
Contents Corporate Information......................................................................01 Director’s Report to the Shareholders........................................02 Statement of Compliance with the Code of Corporate Governance.......................................................07 Statement of Internal Control........................................................09 Notice of Annual General Meeting...........................................10 Review Report to the Members on Statement of the Compliance with Best Practices of Code of Corporate Governance...................................................................12 Auditor’s Report to Members.......................................................13 Balance Sheet......................................................................................15 Profit and Loss Account..................................................................16 Cash Flow Statement.......................................................................17 Statement Of Changes In Equity................................................18 Notes to Financial Statements.....................................................19 Six Years Key financial Data...........................................................62 Annexure - 1.........................................................................................63 Combined Pattern of CDC and Physical Share Holdings...................................................................64 Combined Pattern of CDC and Physical Share Holdings ..................................................................65
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IBFT- Account Number Formats
IBFT- Account Number Formats Allied Bank Please enter Allied Bank Account Number by following the layout below: Total Digits of Account Number: 13 or 20 Digits Format Example: BBBBAAAAAAAAA or BBBBAAAAAAAAAAAAAAAA BBBB = 4 Digit Branch Code, AAAAAAAAA = 9 Digit Account Number, AAAAAAAAAAAAAAAA = 16 Digit Account Number Apna Microfinance Bank Please enter Apna Microfinance Bank Account Number by following the layout below: Total Digits of Account Number: 16 Digits Format Example: BBBBAAAAAAAAAAAA BBBB = 4 Digit Branch Code, AAAAAAAAA = 12 Digits Askari Bank Please enter Askari Bank Account Number by following the layout below: Total Digits of Bank Account Number: 14 Digits Format Example: BBBB = 4 Digit Branch Code, AAAAAAAAAA = 10 Digit Account Number Branchless Banking Account # Always consist of 11 digits Mobile Number. Al-Baraka Please enter Bank Al-Baraka total digits of account Number: Total Digits of Account Number: 13 Digits Bank Alfalah Please enter Bank Alfalah Account Number by following the layout below: Conventional A/C#: Total Digits of Account Number: 14 Format Example: BBBBAAAAAAAAAA BBBB = 4 Digit Branch Code, AAAAAAAAAA = 10 Digit Account Number Islamic A/C#: Total Digits of Account Number: 18 Digit Format Example: BBBBAAAAAAAAAAAAAA BBBB = 4 Digit Branch Code, AAAAAAAAAAAAAA = 14 Digit Account Number Branchless Banking Account # : Always consist of 11 digits Mobile Number. Bank Al-Habib Please enter Bank Al-Habib Account Number by following the layout below: Total Digits of Account Number: 17 Digit Format
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